#PTonICE Podcast Episode 1978 - Accounting 101: Start keeping more of the money that you make
Jan 28, 2026
Jason Eger, CEO of Eger CPA and accounting expert for PT and OT practices, offers tax planning, payroll, and wealth management support. He discusses when to engage a CPA, preserving deductions, HSA priority, Roth and retirement sequencing, real estate vs market investing, S‑Corp timing, depreciation strategies, and the value of ongoing advisory and outsourced payroll/bookkeeping.
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Start A CPA Relationship Early
- Do engage a CPA early to turn your clinical passion into an efficient, wealth-building business.
- Schedule regular planning meetings so your CPA can help you proactively reduce taxes and grow assets.
Prioritize An HSA First
- Do prioritize funding a Health Savings Account (HSA) before other retirement accounts when eligible.
- An HSA gives you an immediate deduction and tax-free growth similar to a Roth in retirement.
Sequence Retirement Accounts
- Do fund a Roth IRA early when your income is low to lock in tax-free growth.
- Then scale into SIMPLE/401(k) plans and cash-balance plans as income rises to increase retirement savings limits.